The Chase Freedom Limitless (see charges and charges) is a good newbie bank card. It earns not less than 1.5% money again on all purchases, that means it might nonetheless present worth to your pockets even after you have opened quite a few different playing cards.
Due to its flexibility, it might work effectively in tandem with many bank cards, even these not issued by Chase. Listed here are a few of my favourite decisions for playing cards to pair with the Freedom Limitless.
Unlock the Freedom Limitless’s full potential
By itself, the Freedom Limitless is a powerful card, however if you wish to actually maximize it, you will must associate it with one in all Chase’s higher-tier choices:
By combining the rewards you earn on the Freedom Limitless with these you earn on one of many playing cards I simply talked about, you’ll switch them to Chase’s 13 companions for max worth.
The Sapphire Most well-liked and Sapphire Reserve are doubtless one of the best decisions for most individuals, since they provide compelling advantages that justify their annual charges with out the necessity for a separate aspect hustle or enterprise.
Here is a fast breakdown of what these playing cards supply.
Chase Sapphire Most well-liked
The Sapphire Most well-liked simply makes up for its $95 annual charge with its easy listing of advantages, offered you need to use them organically.
That is the cardboard I exploit to energy up my very own Freedom Limitless. I spend on my Sapphire Most well-liked to earn bonus rewards on eating, choose journey and on-line groceries (excluding Walmart and Goal), whereas my Freedom Limitless is helpful for basic purchases that are not lined by bonus classes.
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I additionally reap the benefits of my Sapphire Most well-liked’s complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) to make up for greater than my card’s annual charge. A DashPass membership prices $9.99 monthly, or $96 for the annual plan, that means I come out within the inexperienced every year.
Then, after I’m able to redeem my factors for journey, I mix the entire rewards I’ve earned and ship them off.
To be taught extra, try our full evaluate of the Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
Chase Sapphire Reserve
If you happen to really feel prepared for a premium journey card, the Sapphire Reserve might make extra sense for you than the Sapphire Most well-liked.
In case your present spending habits are a very good match for the Sapphire Reserve’s advantages, I like to recommend pairing it with the Freedom Limitless. Use your Sapphire Reserve for purchases that earn inside its bonus classes or set off a press release credit score, and your Freedom Limitless for different purchases.
Whereas it boasts a hefty $795 annual charge, it options an interesting array of advantages to assist cardholders justify that, together with:
- Entry to Chase’s Sapphire lounges
- Precedence Move lounge membership
- As much as $500 every year in assertion credit for luxurious resort bookings made with The Edit
- Extremely versatile $300 journey credit score
- As much as $300 in assertion credit every year for eating purchases made through Sapphire Unique Tables on OpenTable
- As much as $300 in assertion credit for StubHub and Viagogo purchases (by Dec. 31, 2027; activation required)
To be taught extra, try our full evaluate of the Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Complement the Freedom Limitless with the Freedom Flex
The very first duo I took benefit of in my pockets was the Freedom Limitless and the Chase Freedom Flex® (see charges and charges).
If you happen to do not feel able to pay an annual charge with the intention to give your Freedom Limitless a lift, this can be a nice possibility. The Freedom Flex’s declare to fame is its rotating quarterly classes. Cardholders can earn 5% money again on these classes every quarter they activate (on as much as $1,500 in mixed spending, then 1% again).
Chase typically options common spending classes on the Freedom Flex, together with at fuel stations and gymnasiums and with PayPal. This profit expands your potential to earn vital rewards past the Freedom Limitless’s classes for eating and drugstores.
Simply understand that you will nonetheless want the Sapphire Most well-liked, Sapphire Reserve or one other eligible Chase Final Rewards points-earning card to switch your rewards to journey companions.
To be taught extra, try our full evaluate of the Freedom Flex.
Apply right here: Chase Freedom Flex
Open your pockets to different issuers
The Freedom Limitless is a good gateway into Chase, however I at all times suggest diversifying your pockets with playing cards from different issuers as effectively. Fortunately, the Freedom Limitless is straightforward to pair with most playing cards from different banks. Listed here are two of my favourite suggestions.
American Specific Gold
My first foray after opening Chase playing cards was into American Specific with the American Specific® Gold Card. Whereas the Freedom Limitless earns 3% money again on eating, the Amex Gold gives a stronger 4 factors per greenback spent fee (on as much as $50,000 of eating purchases worldwide every calendar 12 months, then 1 level per greenback spent).
The Freedom Limitless does not supply a bonus class for groceries, so the Amex Gold can lend a serving to hand. The Amex Gold earns 4 factors per greenback spent on U.S. supermarkets (on as much as $25,000 of spending every calendar 12 months, then 1 level per greenback spent).
Needless to say the Amex Gold carries a $325 annual charge (see charges and charges), but it surely gives assertion credit to greater than make up for that. Probably the greatest of those gives as much as $50 biannually for purchases made at Resy-affiliated U.S. eating places. (Enrollment is required.)
To be taught extra, try our full evaluate of the Amex Gold.
Apply right here: American Specific Gold Card
Capital One Enterprise Rewards
Whereas the opposite playing cards I’ve beneficial lean on the Freedom Limitless’s 1.5% money again fee to complement their bonus classes, the script is flipped with this pairing.
The Enterprise Rewards earns not less than 2 miles per greenback spent on purchases, which is best than what the Freedom Limitless gives. For the reason that Enterprise Rewards lacks bonus classes for eating and drugstores, the Freedom Limitless can complement with its 3% money again charges in each classes.
The Enterprise Rewards has a $95 annual charge, the identical because the Chase Sapphire Most well-liked. Deciding between the Sapphire Most well-liked and the Enterprise Rewards comes right down to which issuer’s switch companions you prefer.
Bear in mind: With out the Sapphire Most well-liked (or one other eligible Chase card), you will not have the ability to switch your Freedom Limitless’s rewards to Chase’s journey companions.
To be taught extra, try our full evaluate of the Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards
Backside line
I recurrently use my very own Freedom Limitless with my Sapphire Most well-liked and Amex Gold to get probably the most factors from my spending. This manner, I will transfer extra rapidly towards my private journey targets.
The Freedom Limitless is at its finest when paired with the suitable card. Whether or not you determine to open one or a number of of the playing cards talked about on this information, you will be effectively in your strategy to getting probably the most out of your Freedom Limitless.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
For charges and charges of the Amex Gold, please click on right here.
